Stone County, MS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 696 mortgage applications in Stone County, MS totaling $73.8 million, down 5% from 2011. The average application was for $105,000, and applicants reported an average income of $54,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Bank of Wiggins, with 99 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 696 |
| Total Mortgage Loan Application Amount | $73,759,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $408,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $451,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Wiggins P.O. DRAWER 67 WIGGINS, MS 39577 |
* | $ 193,298,000 | 99 | $ 4,921,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 54 | $ 7,444,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 52 | $ 5,729,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,963,514,000 | 41 | $ 4,380,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 32 | $ 3,906,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 30 | $ 2,118,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 4,988,392,000 | 29 | $ 2,309,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 679,893,000 | 26 | $ 2,731,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 24 | $ 3,412,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 24 | $ 3,040,000 |
| First National Bank of Picayun 121 EAST CANAL STREET PICAYUNE, MS 39466 |
* | $ 208,098,000 | 21 | $ 1,956,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 1,062,000 |
| The Peoples Bank 152 LAMEUSE ST BILOXI, MS 39530 |
* | $ 799,565,000 | 20 | $ 1,203,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 16 | $ 1,814,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 12 | $ 1,571,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 11 | $ 1,779,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 389,720,000 | 11 | $ 1,455,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 9 | $ 1,185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 9 | $ 1,197,000 |
| Gulf Coast Community Federal Credit Union 12364 HWY 49 GULFPORT, MS 39503 |
* | $ 66,723,000 | 8 | $ 730,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 674,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 863,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 639,243,000 | 5 | $ 590,000 |
| America's Mortgage Resource 3317 N. I-10 SERVICE RD. SUITE 200 METAIRIE, LA 70002 |
* | $ 10,000,000 | 4 | $ 448,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 4 | $ 575,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 468,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 373,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 4 | $ 599,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 4 | $ 502,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 387,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,177,006,000 | 3 | $ 385,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 3 | $ 550,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 764,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 397,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 288,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 301,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 2 | $ 149,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 437,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 334,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 243,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 37,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 2 | $ 346,000 |
| Charter Bank 1721 MEDICAL PARK DRIVE SUITE 103 BILOXI, MS 39532 |
* | $ 101,781,000 | 2 | $ 19,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,741,434,000 | 2 | $ 124,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 2 | $ 135,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 379,000 |
| First Federal Savings and Loan Association of Pascagoula - Moss Point 903 JACKSON AVENUE PASCAGOULA, MS 39567 |
* | $ 267,984,000 | 2 | $ 413,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 288,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 175,000 |
| Navigator Credit Union P O BOX 1647 PASCAGOULA, MS 39568 |
* | $ 246,557,000 | 2 | $ 130,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 2 | $ 273,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 921,053,000 | 1 | $ 69,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 464,910,000 | 1 | $ 114,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 264,492,000 | 1 | $ 32,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,972,908,000 | 1 | $ 38,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 3,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 132,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,140,785,000 | 1 | $ 115,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 87,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 126,196,000 | 1 | $ 147,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 2,470,701,000 | 1 | $ 100,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 70,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 1 | $ 24,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 357,201,000 | 1 | $ 127,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 230,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 1 | $ 180,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 164,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 263,833,000 | 1 | $ 5,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 199,121,000 | 1 | $ 380,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 120,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 228,000 |
| Synergy Bank 210 SYNERGY CENTER BOULEVARD HOUMA, LA 70360 |
* | $ 347,027,000 | 1 | $ 174,000 |
| First Nbc Bank 210 BARONE STREET NEW ORLEANS, LA 70112 |
* | $ 2,224,334,000 | 1 | $ 114,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 148,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 195,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 83,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 78,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 134,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 138,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 116,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 142,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 337,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 185,000 |
The tables below break down 2012 mortgage applications in Stone County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stone County, MS in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 390 | $45,241,000 | $116,000 | $408,000 | $54,000 | $283,000 |
| Home Purchase | 241 | $26,530,000 | $110,000 | $380,000 | $53,000 | $284,000 |
| Home Improvement | 65 | $1,988,000 | $30,000 | $138,000 | $64,000 | $451,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 538 | $57,469,000 | $106,000 | $380,000 | $61,000 | $451,000 |
| Black or African American | 63 | $4,841,000 | $76,000 | $235,000 | $41,000 | $136,000 |
| Not applicable | 43 | $5,636,000 | $131,000 | $408,000 | $6,000 | $172,000 |
| Not Provided | 40 | $4,509,000 | $112,000 | $337,000 | $43,000 | $139,000 |
| Hispanic | 7 | $685,000 | $97,000 | $156,000 | $69,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $279,000 | $139,000 | $175,000 | $60,000 | $77,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $115,000 | $44,000 | $49,000 |
| Asian | 1 | $140,000 | $140,000 | $140,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 465 | $41,497,000 | $89,000 | $408,000 | $61,000 | $451,000 |
| FHA-insured (Federal Housing Administration) | 87 | $11,364,000 | $130,000 | $261,000 | $41,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $8,115,000 | $111,000 | $197,000 | $40,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 71 | $12,783,000 | $180,000 | $337,000 | $43,000 | $179,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 350 | $34,069,000 | $97,000 | $408,000 | $59,000 | $451,000 |
| Application Denied By Financial Institution | 133 | $13,642,000 | $102,000 | $380,000 | $51,000 | $194,000 |
| Loan Purchased By The Institution | 104 | $13,563,000 | $130,000 | $332,000 | $39,000 | $172,000 |
| Application Withdrawn By Applicant | 77 | $9,493,000 | $123,000 | $337,000 | $60,000 | $271,000 |
| Application Approved But Not Accepted | 19 | $1,525,000 | $80,000 | $190,000 | $52,000 | $99,000 |
| File Closed For Incompleteness | 13 | $1,467,000 | $112,000 | $261,000 | $46,000 | $124,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 33 | $3,429,000 | $103,000 | $291,000 | $63,000 | $194,000 |
| Collateral | 20 | $2,592,000 | $129,000 | $380,000 | $61,000 | $162,000 |
| Debt-To-Income Ratio | 18 | $1,362,000 | $75,000 | $178,000 | $36,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $396,000 | $99,000 | $156,000 | $46,000 | $81,000 |
| Other | 2 | $70,000 | $35,000 | $50,000 | $55,000 | $85,000 |
| Employment History | 2 | $164,000 | $82,000 | $92,000 | $64,000 | $100,000 |
| Credit Application Incomplete | 2 | $167,000 | $83,000 | $88,000 | $60,000 | $85,000 |
| Unverifiable Information | 1 | $112,000 | $112,000 | $112,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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